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Credit card comparison

Our credit card comparison table helps you choose the most appropriate Australian credit card for your needs. Compare credit cards by looking at features like interest free days, annual card fees, interest rates, and rewards or frequent flyer programs.

Purchases standard variable rate
Cash advances (variable rate)
Balance transfers (special promotion for a limited time)
Annual card fee (fee may change)
Interest free days on purchases
Card can be linked to Westpac transaction account
Complimentary overseas travel insurance
Complimentary transit accident insurance cover
Complimentary purchase security insurance
Complimentary extended warranty insurance
Access to Priority Service Line
Free Qantas Frequent Flyer membership on new accounts for a limited time
Points earned per dollar spent on eligible purchases
Points earned per dollar spent on selected Qantas products and services
Points cap - for each statement cycle when using your cards. Bonus points do not count towards the points cap.
Things you should know

Consumer Credit Cards - Conditions of Use (PDF 7MB)

Westpac Altitude Rewards Terms and Conditions (PDF 130KB)

Westpac Credit Cards Complimentary Insurance Policy (PDF 316KB) (effective 1 October 2017)

Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on Switches, upgrades or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time.

^Bonus points promotion: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 8th March 2018 and 11th June 2018 and spend the minimum amount of $5,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. 

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

+Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Altitude Black card between 8th March 2018 and 11th June 2018. The first annual card fee at the discounted rate will be debited to your card account on your first transaction and the full annual card fee, currently $395 (but changing to $250 on 4 April 2018), will be debited annually thereafter. Credit criteria, fees and charges apply.

#Balance transfer promotion: This offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 1st February 2018 and 11th June 2018, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers. 

*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 1st February 2018 and 11th June 2018 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. A points cap per statement cycle applies to the Altitude or Altitude Platinum cards. For details, see the Rewards tab on the Altitude and Altitude Platinum product page. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Rewards Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Reward Points. Bonus points do not count towards the points cap. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.